| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | PO BOX 92643 LOS ANGELES, CA 90009 | KAISER FOUNDATION HEALTH PLAN, INC. | $63K | $0 | $63K | 4.29% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA LOS ANGELES, CA 90017 | AETNA HEALTH OF CALIFORNIA INC. | $71K | $0 | $71K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA LOS ANGELES, CA 90017 | AETNA LIFE INSURANCE COMPANY | $42K | $11K | $53K | 8.15% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 13.38% |
| SANDRA BREDESON3 | 6126 PRIMROSE DRIVE LA MESA, CA 91942 | AFLAC | $2K | $162 | $2K | 7.47% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | AFLAC | $1K | $0 | $1K | 4.37% |
| JACK DANIEL HOLDER3 Filed as: JACK HOLDER AND OTHER AGENTS | 3530 CAMINO DEL RIO NORTH SUITE 200 SAN DIEGO, CA 92108 | AFLAC | $785 | $0 | $785 | 3.30% |
| CHRISTINE A HAUK3 Filed as: CHRISTINE HAUK | 1114 SOUTH MYERS STREET APARTMENT B OCEANSIDE, CA 92054 | AFLAC | $584 | $12 | $596 | 2.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PO BOX 350 CONSHOHOCKEN, PA 19428 | AFLAC | $418 | $0 | $418 | 1.76% |
| KEN MAJOR3 | 2211 MICHELSON DRIVE SUITE 1150 IRVINE, CA 92612 | AFLAC | $307 | $32 | $339 | 1.43% |
| HEATHER SIEMS3 | 6888 PARK RIDGE BOULEVARD SAN DIEGO, CA 92120 | AFLAC | $193 | $0 | $193 | 0.81% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | HEALTH AND HUMAN RESOURCE CENTER, INC. | $1K | $0 | $1K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 322 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 461 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 461 | $654K |
| Vision | AETNA LIFE INSURANCE COMPANY | 461 | $654K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 132 | $66K |
| Prescription drug | AETNA HEALTH OF CALIFORNIA INC. | 205 | $1.4M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 322 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.